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ABA routing numbers are 9-digit codes used to identify financial institutions in the United States. They use the ABA 3-7-1 checksum algorithm for validation.

ABA 3-7-1 Checksum Algorithm

The routing number is valid if the weighted sum is divisible by 10 (modulo 10 = 0).

Validation Steps

Step 1: Multiply each digit by its weight Each digit position has a specific weight: 3, 7, 1, 3, 7, 1, 3, 7, 1 Example: 021000021
Step 2: Calculate modulo 10
Step 3: Validate
  • If remainder = 0: Routing number is valid ✓
  • If remainder ≠ 0: Routing number is invalid ✗

Implementation in Go